Our responsibility is towards our clients, ensuring the most appropriate solutions are achieved.  We evaluate needs and provide services and solutions from the entire UK financial services market.

We can help you by:

  • Taking time to discuss your objectives
  • Undertaking detailed research so a personal action plan can be created
  • Implementing those proposals and
  • Monitoring outcomes on a regular basis, re-adjusting where necessary

The Advice Process

Stage 1We undertake an initial discovery interview, at our expense, to establish how we can help
Stage 2Evaluating your existing arrangements; researching and revising, where necessary, and match these with your ambitions.
Stage 3Our findings are presented with recommendations that aim to achieve your long term goals.
Stage 4Once accepted, we implement the agreed strategy and provide all the necessary paperwork.
Stage 5On a regular basis, we review everything in line with evolving goals and make agreed alterations to keep things on track.


Stephen Harper
Chairman of Attivo Group

Stephen is the Chairman of Attivo Group and the Chief Executive Attivo Financial Services. He has been in Financial Services since 1989 and set up Attivo Financial Planning in 1998 to ensure that clients would receive truly independent and professional financial planning advice. In 2021, Forty One Consulting became part of Attivo Group as a wholly owned subsidiary.

Stephen now focuses on the development and growth of Attivo Group throughout the UK through the acquisition of independent financial advice companies. The group’s acquisition process has resulted in the successful acquisition of over 30 IFA business in the last decade.

Stuart Harding
Managing Director and Chartered Financial Planner

Stuart is the Managing Director of all advisory businesses within Attivo Group. He joined Attivo Group in 2015 and has worked in the financial services sector since 2001.

Stuart leads the financial planning team of specialist independent pensions and investment Financial Planners, the majority qualified to Chartered and Fellow status, who put clients at the centre of everything they do. He is head of Training and Competence Supervision, head of the Proposition Committee and has overall responsibility for the Attivo Group Academy.

Stuart is a Chartered Financial Planner and an Occupational Pension Specialist and is amongst the most qualified Financial Planners in the UK. He is a Fellow of the Personal Finance Society (PFS) which is part of the Chartered Insurance Institute (CII), and a Fellow of the Chartered Institute for Securities and Investments (CISI). He also holds a Master’s degree in Financial Planning and Business Management.

To achieve Chartered status, Financial Planners must hold Advanced Papers from the CII. Stuart holds the following Advanced Financial Planning Papers:

  • Personal tax and trust planning
  • Pension planning
  • Investment planning
  • Financial planning process
  • Senior management and supervision.

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